1. School of Management Cranfield University College Rd, Cranfield, Bedford Wharley End MK43 0AL UK
2. Center for Fintech and Banking Universitas Sebelas Maret Kentingan, Kec. Jebres Kota Surakarta, Jawa Tengah 57126 Indonesia
3. Faculty of Economics and Business Universitas Sebelas Maret Kentingan, Kec. Jebres Kota Surakarta, Jawa Tengah 57126 Indonesia